Vaultoro is a Bitcoin wallet, Gold Exchange with multi-sig/full reserves, with gold stored in Swiss vaults, whose user holdings are publicly auditable (albeit pseudonymously via a user ID), and which does not accept Fiat Money whatsoever.You can purchase as little as 0.1 grams of gold at a time. Trading fees start at 0.5% and only go down from there, depending on how much or how often you trade.You can trade up to $5000 USD worth of Gold or Bitcoins without verification.The coolest is that you can request physical delivery of your gold at any time.Vaultoro a Great save Bitcoin Wallet, I highly recommend using Vaultoro for online storage.

Magnr is a bitcoin savings account managed by BTC.sx. They currently offer 2.18% interest (AER), paid in monthly installments, simply for keeping your bitcoin with them. They use fees from BTC.sx trading to pay for this. This is, admittedly, not a money-making business for them at the moment. They are doing it to raise their profile and attract more business. In the future, BTC.sx will be rebranded as 'Magnr Trading'. Magnr uses multi-sig, offers 2FA for logins, and has 100% reserves. All the things you'd expect.

BTCjam Primarily for the unbanked to be able to fund small business ventures.They have serviced over 17,000 loans in 116 countries.They have a peer-to-peer reputation system, along with background checks for borrowers which integrate and allow for social media account verification (# of friends), paypal account verification (# of years open), income verification, credit card verification, and more.Borrowers can pick and choose their verification methods, but by completing more of them, their aggregate Borrower Rating may improve (A through D letter grades). Naturally, as D-rated loans/users are more risky, the returns (and potential downsides) are greater.A-rated loans offer 13% return and up. D-rated loans (not recommended, imho), offer 60% returns and higher. You can browse loans by rating, view user profiles, read reviews they've received, and determine your optimum risk-level before investing anything. Here are some A- and B-level loans, for example. If you're just starting out, I recommend picking a couple A- or B-level loans with short terms (30-60 days), and investing small amounts of bitcoin (10-20mBTC per loan). NOTE: They also have recently begun offering an Auto-Invest option, so once you are comfortable with the platform, you can have BTCjam pick amongst A- and B-rated loans (or A-, B-, and C-rated loans) and spread out 1 BTC over 50-100 loans for you, with the option to automatically re-invest the payments you receive.

BTCjam is not a great Bitcoinwallet, its a micro-lending/micro-loan platform.